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LAW OFTICES OF' GREGOHY JAVARDIAN
BY: GREGORY JAVARDIAN
ID# 55669
44 SECOND STHF;ET, SUITE 203
SOUTHAMPTON, PA 18966
(215) 942-9690
ATTOHNEY FOR PLIUNTIFF'
THIS IS A NON-JURY
MATTER. ASSESSMENT OF
DAMAGES HEAHINCi IS NOT
REQUIRED.
LASALLE NA'I'IONAL BANK, AS
TRUSTEE UNDEH THE POOLING
AND SERVICING AGRE:EMENT DATED
3/1/97 SERIES 1997-1
135 SOUTH LASALL!!~ S1'REET,
SUITE 200
CHICAGO, II. 60603
Plaintiff(s)
COURT Of' COMMON PLE:AS
CUMBERLAND COUNTY
VS,
No.yf- .3;) yl.( ~A-t~,
DAVID A. FLOWERS
ANDREW M. FLOWERS
10 WAYNE AVENUE
NEW CUMBERLAND, PA 17070
Defendant(s)
COMPLAINT IN MORTGAGE
FORECLOSURE
COMPLAINT - CIVIL ACTION
NOTICE
You have been sued in Court. If you wish to defend against
the claims set forth in the follow1ng pages, you mllst take action
within twenty (20) days after this Complaint and notice are
served, by entering a written appearance personally or by
attorney and fHing in writing with the court your defense or
objections to the claims set forth against you. You are warned
that if you fail to do so the case may proceed without you and a
judgment may be entered against you by the Court without further
notice for any money claimed in the complaint or for any other
claim or relief requested by the Plaintiff. You may lose money
or property or other rights important to you.
YOU SHOULD TAKE THIS NOTICE TO YOUH LAWYER AT ONCE. IF YOU
DO NOr. HAVE A LAWYER OH CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE: SET FORTH BELOW 1'0 FIND OUT WHEHE YOU CAN GE1' LEGAL HELP.
CUMBERLAND BAR ASSOCIATION
Lawyer Heferral and Information Service
2 LIBERTY AVENUE
CARLISLE, PA 17013
(717) 249-3166
2, The Mortgage is secured by Defendant(s) Note dated
January 17, 1994 in the amount of $96,300.00 payable to
Plaintiff in monthly installments with an inte=est rate
of 9.750%. A copy of the Note is attached hereto and made
a port hereof as Exhibit MBN.
3, The land subject to the mortgage is:
10 Wayne Avenue, New Cumberland, PA 17070.
~ The defendant(s), David A. Flowers and Andrea M. Flowers
are the real owner(s) of the land subject to the mortgage
and the Defendants' address is: 10 Wayne Avenue, New
Cumberland, FA 17070.
5, The Mortgage is now in default due to the failure of the
Defendant(s) to make payments as they become due and
owing. The following amounts are due:
Principal Balance: $95,882,20
Interest to 5/26/98 $ 5,306.64
Accum. Late charges $ 413.70
Property Insurance $ 1,142.40
Property Inspections $ 220.00
Attorney Fee/costs $ 4,794.14
-------.~--
TOTAL:
plus interest from 5/27/98 at
of suit and attorney fees.
6. In accordance with the provisions of the Act of January
30, 1974, P.L. 13 No.6, Section 403 (41 P.S. 403), a Notice
of Intention to Foreclose is not required as this loan is in
excess of $50,000.00. A Notice of Homeowners' Emergency
Mortgage Assistance is applicable as was sent February 12,
1998, The Defendant(s) have not cured the default.
$107,759.08
$25.53 per day,
costs
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"1// (LI.CC
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MOHl'GAGE:tl\~'3J)5
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'97 Jnt~ 'I.'( Pl1 ~ 05
TJUS MORTGAGE rStc\lfhy Jr,Urumcnl") II liven on JIl1IlIllI'Y '1'1 _ ,1992-.
1.. mon,.,or "...!!AVID A. l'loOWI:11S olld AjjDllI;A M. 1'!'()WI:lUl , WbOI. .dd....,
it 10 WaYne AVOl)U!t..lLeJL~!:J..~lldi PA 1~Q2Q._ _ _. .
("80"(;w.,,"), 11111 Securhy Inltrumeolla J:l...cn 10 R,_~ti' or16, JIlCOI'PO"ltl,tld... ,
which II OIClI"Ued .nd ul11iol undcllhe lawl of ._torl1lfJyl vnn!o ,.nd wbolc addrest
IljQl.Q.~~ I{oud. nul tUll. Mochufllcflburp.l .EL.J?OlJ'J,,___ ,,__ ., ( _
("Landel"), HOrTowcr owe. Lender tilt: principal lum of-B!!lety-aTx ..!.!!.?~~Uflnhl'o(tl~~
olld NollOO _ Doll." (U,S. S.J.Q.1Dl1.UU______---->.
Thj;d~bl I. e...j~by Borrowel'. nQ~ dated the lime d.le as Ibll SC'Curlly JD'lrumenl ("NOlc"), wblcb
,'rovlde.s fOI monlbly paymeu'" with Ihe full deht, If nol p.Jd talller. duo ud p.y.hle on_____~_
Fohr'u<<I'Y 1 f 2027 _~. 11111 Se(lurlly Inltrument lecUCe.J 10 Leoder: (.) the ftp.)'mcDI o( the debl
evidenced by lh" Nolt, with Inleresl al I lalo which may vary (,0m lime to time, lIad allll!oewcll. oltloDJloDI
IUd modlnCIUonl of the NOlej (b) Ihe payrul:nl of aU olker luml, with IDlered .1 a rile whloh may vary from
time (0 lime, .d....nced IIndcr par'lr.pb 6 10 proh~.cl Ihe scourity of thil Socurlty Jnllrumr.ol: lad (c) the
perform'Dce of Donower', COVCDIDIJ aad .greements undcl thll Securily JO/ltl'\lment and the Nolo, For tbue
PlUral.". BOfTowet doe.. beleby lUortg.ge, granl Ind convey to Lender lbe followlnc described PIOperty
loc.ted In _..c..uD1.l.1.iirlu.nd CCJllnIY, Comruonwe.allh of J'emuyl....ni.:
fI j( thlJ be>1( II l:becked see Schedule ^ aonc.l.cd bcrelO and made ~ pin bereo(,
whlcb hu the addu.u of 10 Wayne Avenuo
New,Jlumtlatl!!!L-__, Peonsylvanla
(Clty/Couoly)
(Slfr.cl)
17070
(Zip Code)
(.PlOperty Addr....):
TOGETHER WITH a.lllbc iropro...emcnu now Of' boreaftcl ortlCled 00 the propc',r1y, .ad III UJcmeQlJ,
n,bu. appurtonlDces, reals, rDy..llI~, mincrll, oilaad gl' oahu Ind profih. Wllel f1CblJ and Slock .nd lU
fb.ture.s DOW 01 hercaner I J1ar1 of the propcrty, AU leplaccmenu and addilJonl sh.1l ,1'0 bon covered by this
S~urily Inslrument, All of the- (ologoiag II leferred 10 In lhl. Seourlly Joslrumenl u the .Property."
BORROWER COVENANTS Ib.t Borrow.r 1,I'wfuliy ..iled of lb. .,tole b.,.by COov.yr.d .nd bu
the tiJ:hl to mOrll"ll, .raol aad con\'ey Ihe I'lopcl1y and thai the I'roperty h UllcDcumbered, el!;ce{Jt fOI
cncumbrances DC rt(Jold. Borrower WarnntJ and wlll defend ICDer.lJy the litle 10 lhe Property .,.1011 aU
el.hos and demand. 'UbJtJJl 10 IIOY encumblances of record.
Borrower and Lcadcf CO\'cnlot .ud agree 1.1 followl:
1. r.ymfnl oC Principal, Inleresl 8J1d Other Charge'l, Subjecl 10 P.ulOIph JO, Borrower
.boJl prompliy p.y wi.. 0 due ,b. p.ioelpoJ of .nd 101.,..., on th. deb, evid.Deed by th. Nolo ..d .oy 1.10
charges, CflUC<llloQ COils IJld expenles lad disbonured check ChitiN II plo\'idt'.a in the Nole.
2. Application of P.yml!nLJ, Unless appllc.ble l.w pro...ldct olherwise. Lendel wiUapply each
of .~(lrrowe". reruJar monthly paym~ntl under the .Noll! flnlto accrued and unplld intelest uader !.he Note'
II If tbe paymcnt I, made on h. due dale, re..rdlclI of when lbe payment Is .ctually recel\'w and lbe
lem.lnder, If Ipy, to Ihe unpaid principal balance undcllhe Nole. Any I.II! cbalee. (5" or.o)' plymeot Qot
made by the end of 10 calcmdar day. anef the dale It i, due). co!le(lllon costs .nd upeoles, disbonored check
charct..<; aad paymenl' made by l..ender 10 r.nfolce lbe Note IOdlor to prolecl Lender', Inlerests under Ibis
Securily JJ1Ill'\lmcol ""Ill be u.cued leparalely.
3. Charges; Lien... Borrowel shall pay all t.u:e.t, Iue.umenu, cb'rl:e~, fine.l atld imposltioas
l.t1ribulIIble 10 tbe Property which may IIlAln priorily over Ihl, S",Udlylo51n.tmcnt, and lusehold payments
01 <<round rents, i( any. BMTower 'shall PlY these oblltaliool 00 lime direclly 10 the penon owed paytncnt,
Donowcr ,ha.lI promplly (umi.b 10 Lender all ooliceJi uhmouolJ 10 be pahl uoder Ihl, paraCrtl'b, .nd recclpu
evidencing such payments.
r" UTIAnI, Mn: MOITO"{/L, Om!-'IC nllJl'-4l
MON'IIQ.V JIMJ'l!
t'Mll!lfll.
MOOlI.....'M
Borrower Ib.lI promplly disch.fCe lny lieD whlrb b... priorily OYer lbh Security Instrumeol UDJc.U
.Borrower: (I' 'C11lt.l ID writln, 10 Ihe VAym:nl ollbe obll..llon s<<:urc-d by Ole lieD in . m.oner ,cCCl,ptablc
to Lender; (b) eonlt.lb la load r.llb Ihe lien by, or defends .,.Inll C\o(orcemcol o( tha Ilea 10, lcc_'
proceed"'.1 which In lender'. ophllon l;lpc~te to prevenl the co(orccllleul (If the lien; or (c) StlCUfN from tho
bolder of the lien .n .,teGmenl lI11sflclory 10 Leader .ubordln.Un, the Uto 10 thl. Sr<:urlty IDltf\lmeol. If
UDder dllleflnlue.l 11.11 Iny p.rt o(the Property h IlIbJullo I lion which IDlY IILlia prlorll)' oYer thr. Securily
JO'lcumenl, Lender m.y ,I\"e DOflowcr . oolice ldenllfylna Ihr. lieD. Borrower .bln ulbfy tbe Ilea or like
Doe or 100re 01 the IcllODtl ,el Canb llbove wllhla 10 <by, of lbl liviD, of nollce.
4. lluard or )Jruperl)' Imurance. Borrower ,hill keep the improvcmcoll now Idulol or
berun...c erooted On lbe Property In.ured l.alOSt Iou by nre, hUlrds lucluded wllhln the tcnn .uteoded
coveR,c. Ind MY albelr hlWlrdJ, Jncludlnl noow or noodln., lor which Lender requlru IOlluanr.e. Thll
IOlunnce ,bill be mlloll:lned in lbc Imouou and rot the rerlodllhlll Lender rtqultel. aollo eJlce.ed lbe fuU
replacemenl COlt or the bulldla," 6nd Improv~menlJ 00 thll Propert)l. The Inlunncc tanier provldln. the
Io..uraace ,bill be cholfln by bonower .ubJCI('f to under', approval which .ball Dol be ullrea.lonlbly
withheld. U Bonower fill. 10 "I.lnlalD c()vcra.. dctcribed .bove, Leader mlY. It Leader'. oplloQ, obtalll
coven'l 10 protecl Lcndllr', ri.hh: In tbe I"roperty l.a I<<ordance with pm&r.pb 6.
All Inlurancc Imllclc. ud renewII. mU'1 be Iccepl.l.ble 10 Lendcr Ind musl Include I ltandard
100n,IIe CIIUUI in f.vor of Ind lu I form .cceptable 10 uader. l..clader Iblll hive the li,hl to bold the
rollclea Ind renewlb. J( Lender r~ulrCl, DOfTOwer ,bill promptly live 10 lender III receipt. of pald
pNmlulQ. lod renew.1 oMlee.. 10 the event of lOll, Borrower .blll .cl...e prompt Dolice 10 the JOSUf1.llCII
carrier .od Lender. Leader O1IY make proof of Iou if not mad, promplly by Bonowllr. .
Unleu Leoller Ind Bonower otherwise l;-rUl In wolin.. ltllurlooe proceeds sb,1l be .pplh:.d 10
re'tonlloo or rep.lr of the Property dlm'Ied, Iftbe reslor.lIoo or repair b wonomicall)' fCIJlblc aad Lender'.
_ecurity Ie nol leulloed. If Ole TUlorltlon or Tepalr II 001 <<:ooomlcally feasible or untltlr'. securll)' would
be lelleoed, lbe io,urance proceed. .b.ll be applied to Ihe SUms lecured by Ibl. Securily inllrumenl, wbll:thcr
or Dol tJl~a due, wilh 10Y CJlCNS paid 10 BO('J(Jwer. If BonowClr .blDdon.the Property, or dON nolluswer
wiOlio 30 day. . Gollce frOId Lender Ih..t lho i&uut1lncc clmer hl.ll offcl~ 10 utlle. claim, thon Lender m.y
colloelthe inSUf1Me proceedJ, tender may ule Iho proceed. to replir (If rulore the Prope.ty or 10 PlY 'IIm.
ucurod by lhl. Swmily IOllnunenl, wbelher or nol then due. The 30.my period will be,lo whet! lhe ooUce
1I,lven.
Unleu under .nd Borrower otherwise 1"....fI iD wrilln., 10Y appllc.tlclIl of proeoedt to prloclpal 'bill
nOI utend or pOltpoOC tbe duo datt! of the monthly p'ymentJ refcfled 10 In plflgn.pb I or Ch~D'" the .mount
oftbe plymfttlu, Jfunder pI..graph J1 the Property ISlcqulred by Lender, Borrower', ri,bllOIOY inJurancc
polloles IDd proccedt resullln, (rolll dam.11l to tho Property prinr to the Icqub:llioQ .hlll pllllO Leador to
the e~lenl Df the .UIDI '~UTed by Ihls Se<:urity lnltrumenllmmwlllely priot 10 the Icqllblllon.
5. Occupancy, Prf.,~ervaUon, MaJnlf!nance and Protecllon CJr the Propf!rln Borrowu'. Loan
Appllcallonl Leuehold.; Condomlniumll PlannedUnl1 DevelopRlent.!. UnJe.Js BofTowec"loaa IpplicaUoD
and Lender', lo.n IpprovII provided thlllbo Praper1y wu nol tcqulnxlto be oooupied u Bonower'. prioolpaJ
r""ldnnce, JJorrower Ihall OCC\.Ip'y, CGlablllb. and \In the "roper1y .., BotTo~er" principal ruldence within
60 de)'. _ner Lhe eJltlOutloa o(lbls Soouril)' Inllrumeallad .b.n coollnue to occiupy lhe Property u Borrower'.
priuclp.1 ruJdenco for alludl YClr Ifter tho dato of ocoup.acy. unlclIl.eoqc:r olherwllo ',lUIln wri1in.C'.
whloh con.eat .ballaol be unrcuonably wllhheld, or unless e.lllcou"lIn, ('.Ircu~'lanr.er ex:I,t whicb are b:lyoDd
BorrDwer', conlrol. Borrower ,bill Dot destroy, dama,e or imp.lr the Property, allow the Property to
deteriorate, or commit Wl.Stc OQ the Property. Borrower .h.lI nDI pennJl, or be': .lleged 10 b....e permitted,
Ibe PrD~t1y to be Uled In connection wilh any lI1e,al Iclivlly. 10 tb.1 f't,ard. Borrower ,b.1l be in default
If lOy forlcltul1l Iclion or proceedio,. whotbf'Jr civil or crimln.l, II begun th.t in Lender'. ,oDd rllth Jud,mcol
could '011111 In lort.irur. or the P'opo~y or oth.rwl.. m.tori.lly Imp. I, lb. Ii.n o,..ted by Ibil S",urily
)allNmonl or Lend",r'l sccurhy Inlercsl. Borrower .hlll Iltoba 10 def.tull If Dorrower. dUrin, the lOAD
Ippllolllon proc:e.u, I've mlterially falsc or in,ccuBle Inform'llon or IlIlemeQUI 10 Leoder (or f.Ued to
provide Leader wilh 10)' nlllerlaJ InformaUoa) In conneclion w1.Ul the Iou evidenced by Ibe Nolls, Includin.,
bul not limlled 10. l'tlprCJeolAllon. eooc.tlrnJol BOlloWer'. OCcUpaDcy orlbe Proper1y as I principal reJldeace.
If l.bll Securlly hUIf\lme.nl I, on I leasehold. Horrower sblll OOfDP'y wilb alllbe pl'tJvblODl or tha leuc. II,
Borrower 'cqult" leo tllle to Lbe Property, Ihe lea.ehold Ind Ibe ree II lie ,b.il aol merll) un)eu Leader _:rccI
t.o the merler In wotin..
If thlJ SoourilY la.lnlmenl 11M' unit 10 . condomlnJum or I plal10cd unit developmeDl, bonower
Iblll perform III or Borrower', obli..lions under the de.c:la('llilloD or coveuanlJ creatln. or lovernin, the
coodf.'lralo.hlm or planned unll dcvclolJment, ilia by-l.w. lad recullllon. or Ihe condominium or pl.rmcd unil
development Ind eonullucnl documenll.
6. Prolectlon of Lender's RJghlt In tht' Properly. If Borrower f.il. '0 pertono Ibe COYlnanlJ
lad 'Ireemeol.l coo'-Ined In thit Security lallrumcnl, or there 1.1 leCII procc.edlnc lbal may .I,nJficaolly
affecl Lender', rlghlJ in Ihe Propef1y (.uch II . proceedin. In bankruptcy, probale. for condemn.lloD or
forfeiture or 10 enforce t.w. or recul,lIoos), lben Lender may do 'nd PlY for wblle...er b nece.t..ry 10 prOtec:1
the ....lue ollbe Proper1y and under's nIhil ill tbe Propc:.rty, Lender', ,cllons mlY Include plyin& any ,um.
.ecurod by I lien whicb hu priorily over IbIJ Sc:curily inslNment, IJ.yin, InlurafJ~e premluDu. .ppeuin,la
,,^ In/Abl.lVof'1 Jr.lO~TOAoe _ O!m:IlJC P/U!J4t
MOHTHLY.IMPLI
rAoel.',
MOO(IAI,rM
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'MU~, p'Yln, ',,",on.bl. 'Nom.y.' r"" .nd ....rln'.n tk. Prop.rty 10 otok. "1'.,.., AI"'o.,b I..nd" ",y
taJc:e acllon Ulld(lt Ihh P.f'lrIIl,'h 6, Leader dIJu uol blvfI 10 do '0,
Any 'DlO.O" dl.h.ned hy L~r,d" uod" 11.11 I''''C''l'h 6 .10.1/ becoOl. .ddllloooJ d.h. of Dorr.w.,
''''.,ed by U,I. Secu,i'y In"'UDI.nl, Unl." Do"ow" ..d Le.d" '1'" .. olber 1'110' of "OYOl..I, u,...
&moun" .hoJl bear I.'..... flUm lb. eJol. of dl.bu".m,nl .1 th. "" u'en In .rfco. .od" th. No", ....u'h "Ie
"'y oh.,. rrom 11m. 10 11m. If permllled hy "0' 0', If ..1. .1 u" bl.h"II.W/\J1 nl. IlId .b./I bo Ply.b1.,
loaether with Jucb IUlett..,. Upon DOUce (rom undC!t 10 Borrower requt.lIJa, V.ymenl,
1. '.'p<c:lloll. Le.d.,., I" ,,'.1 OI'y ....... 'Ulo..bl, 'oUi.. upoo IlId "'."",Uo.. of u'o
Propel1y, L~.d., .b.",lv. Borrow" nOli,.. .1 lb. lI.t. of 0' pri., 10 III hupocUo. 'pee/fylo, '......bl.
caUl' for the lo_peelloQ,
I. c"lldOln..llon. n'"ro,tedJ of .ny 'word 0, ,1.110 fo, daaIlC'" dl,.., 0' ooo'''luOl,II."
In CO""'llo. wllb .oy ,o.d.m..llo. ., .'her ItJcJ.. .f '.y p'~ .f lb. PrOpe'Iy, 0, fo, ".v'Y'.'" 1.II,u
or '..d.mn.llon. If. hereby u.lc.ed ..d .10.11 bo p.ld .. Le..d., .nd .pplled 10 110. .m.u., '..u,ed by Ibb
SelCUrif)' lollnlwcnl. Any CJ:UI.'J wiU be paid 10 Lhe penoQJ JOIIII)' entitled 10 il.
If lb. Propeny I. .b..do.ed hy Bo"ower, 0' If, .no, noli" hy Leoder 10 BorrOWer lb'l Ih.
"'.d.mo" olf.n 10 mok. .. .w"d ., """ . ".110 ro,d.m..... Bo".wer f.i1. 10 ,espe.d 10 I..ooder wlU,l.
30 cloy. .ft., u" dol. Ik. noli.. b ,Iv,., Leod" b '.'horl.ed.o .0""'1 "d .pply u,. proceed. , .1 III 01'11..,
.IU,., '0 '''10,,1100 0' rep.I, of th, P'of<l~y 0' 10 'b. 'um. ''''ured hy 1101, Seeurlly 1..lrum'nl, wbelb., 0,
Dot IbeD due.
lJol." l.nder .od Do"ow., olh"wh. 'g,eelo wrili.g, .oy 'ppllOlllon of pro.eed. 10 I'rio.'l'oI .h.i1
00' .,I..d 0' 1'."1'00. 110. duo d.,. of lit. "oDlhly "'Y"'oll ,.I,oM 10 I. ""'e,."h I 0, ,h,o" u,. 'lUOU.1
of such p'ymeots,
9. Dorrower Nol R.,....d; Forb.Bronco By Leoder Nola Wolver. E".',,'on DI'b. I!... ro,
p.ym'ol 0' mudlfi..'lon of.mMiullou 01 th. 'um, .ecurW by U,I. S""urily Inltrum..ICI.nl." by Le.d"
I. Bo".w" 0' '0 '.y 'Uc"",u, I. 1.,.,", of Bo"ower .10.11 00' 0"."'0 '0'.,.... u,. II.blllly of lb. oriCI.oI
BL"ow., 0' Bo"ow.,'. .u.....o" ,. Inl.,..., le.d., .10.11 .., be 'oqulred 10 comm.o.. P'o....ulo" '1./."
.oy ,u'c'..or 10 1.1..",. 0' rolo.. 10 "leod "m. ro, p'ym..1 0, oU,.rwll. modify 'OIol1lulloo of 1/,. .u."
'''u,ed hl' u,," S""unry I..,ru...o' hy ''''00 or '.y d.....d ..ad. by u" orl,loa' Borrower 0' Borrow,,',
.u......" 10101.,.." Any 10'hea".co hy Le.d., In ..orel.i., any 0.101., '.medy .boll ..1 bo . wai,.,
of Ur preclude the exe,fcJse 01'0)' ri.nl or remed)',
10. Su......" and A..I,n, B.undl.Jolnl nnd s.,'eroJ L1.hllIlYI Co..Si,n.... Th. C.V'Olll"
.od '(locm..", 0111010 S",..ri'y '.,Iru".ol ,b.lI.hl.d rnd beo.m lb. .uco...o" ...d ,",,,, .f l.e.d" ..d
Borr.wer ,ubJocllo u,. plOvlol.o. 01 pan,"pb 18 (B), Bo"ow.,', .0v....1I IlId '1".m.olJ .baJl bo Jolol
IlId "v.,~I, Any S.rrow., wbo co',,,,, this Socurlly '.""'''..1 bUI do.. n.1 "COUI. u,. NOI.: (.) I. .0.
dcoln, U,I. Soc"nly 1."ntm..1 only '0 10.11"". .".. .nd ",.v,y U,II Bo".w.,'. 10'....1'. u" Prope..y
uod., lb. I.rm. 0111". Socuri'y lo,'ru..,.,: (b) I. .01 ,,'noo.U,y .bil,,,,,, 10 "ay Ibo .um. '",u,ed by U,1o
S..urily In..rum.ol .od (0) ."... l~" lo.d., ..d any olb., Bo"ow., m.y 'C,ee '0 '''.od, mOdlly, lorbear
., ..ok. .oy a"".mmud'lIoo. wllb "I.rd '0 lb. I.rm. .r lItlo Souurlly '."rum.o' 0' u,. No.. WiU,ou\ U,.I
S.".w.,'. COO".I .nd W'lb.Ullbumby Imp.lrio'lh., Borrow.,'. ohll,"lo.. .od lI.blllly he..und.r,
11. Loon Chari'" If u,. 10.0 ..cu,ed hy u". Soc.rily ,..trum..1 I. ,ub)"", 10 a law 0,
"cul.lI.o wbl.b .... ""'OIum 10lll cb"..., and thlt I.w ., '.CUllllo. II r...lly 10"'rp..ied '0 U,.I u,.
1.'.'''' 0' uu,,, 10" 'h"... co"octed ., ,. b, eoll""ed I. "'''colloo wllb lit. 10.. ......,.lb.pennll1ed.
U..III, u,.o: (.) ..y .ueb I.,,,.., .odl., .Ib., 1.0. cho".. .hoJl be mluced by u,. 1UD';;'01 o........ry to
,edu"" u,. Inle,,,, .ndlo, ou,,, 10lll chari" 10 tho pinnln..rJliDi!i,"d (h) aoy 'um. oJ'cady "''''''led f,om
Bo"ow., wblch "ceeded p.rm!ned 11..111 Will bo ..fuoded I. Borrow." looder m.y .b.o.. 10 mok. U,I.
..ruod by 'educln, u,. priocl".1 owed und., u,. N.II 0' hy ..JlcJ." dlree'",y"..1 tn Borrow.,. '1'& ..fu.d
reduc.as principal, the roduclloQ will be Ircatc.d U '-Pill'll.l prep.ya;tenl,
ll. N.II".. Any .oli.. '0 Borrower p'ovlded r., I. 1101. Soeurlty 10lllUm.ol .boll bo ,Iv.. by
d'UV.'lo, II or by 1001110' /1 by fi"l c'u, ...1/ uol... -appllcahle I.w '"'l..I,.. u.. of ",olb" m.U,.d. n.
.011.. ,10.1/ bo dl''''le<llo "'.",opel1y Add,... 0, .ny 0"'" .dd,... Surrow., d"'.nll.. by 0.11""1. Leoder,
Aoy oolie. to Le.dl' .b.1/ bo ,Iv.o hy fin. elu. "'U'o Le.d.r'. .ddr... .I>'ed bl,.I. 0, .oy .lb., .ddre&.
Le.d" dul,..I.. hy ...lIe. I. So".w." A.y ..'1.. p'ovlded lor I. U,I. S"'urilY J.lln""'.1 .boll be doemed
10 b.v. hee. ,Iv.o 10 S.".w" 0' .lo.d" Wb.o ,Iv.o .. p,ovlded 10 ibis p.n,npb 12.
13. GoVot.,., LaWI Slverablll'y. Thil Socurily 1.'lruml.1 .bol/ h. ,ovlmed by I",.n) law
1..ludio, lbe "1I.1O.lIv. M...,.,. Trlll"cllo. ".rI'y ",el 01191l..d .""lIcobl. ,.,..11110." P.on'Ylvool~
1.0' IlId '.y 10c'l I.w Ih.1 .",,11.. I. 'b. 1""" In which u,. "'OpeI1Yl. I..'ied, 10 u,. .v.., Iblt illY
p,ovbl.. 0' el.u.. ollbl. S<<urily In"rum..1 or 110. N." e..nloll wllb '"pll..bl. I.w, .ueb ".nlCI .boll
'0' .ff<<1 Olb., ",ovbloo. .r Ihl. Sec'.o'y I."ru".ol 0, the No'. which c.. be Clvlo .11001 wilh.ul lb.
'.onlelin'",ovl.lo". To Ibl. end 110. ,"ovl.lo., .r 1101. Security 1.llrum..1 'n~ lb. Nol. II. docllled 10 be
leverllblrl,
'A UTIADI. un MOUo"ae, OI!NEJlIC nliJft.41
<tOHJlQ.Y'lMrLe
MOl! hit
MOO4l"1.,,,,....
t.. 8orro\t'tr'. Copy, Borrower JcknowledcCl te.celfll or 'lhalDCOPY or I coMonned Clopy nr
the Nole lad of lbl. Security (nUNmell"
15. Sale or Note, ChAlII' or Loan Servlnr. The Notllllr. plf11.llnlcrull'llhe NUle (Io,cther
wllb Ihll Seeurily Ja"trumcut) may be.old unC', or lUore timet wllholltl1rlor nOllcclo Borrower. A ..Ie ml)'
rc.tulllll a cbaoee In the enllt)' (bOWD U 1he ~I..oan Servlcec.) lbal tOIlC(l11 monlhly paymclIU duo~ndef thl'l
Nolc IIId !bit Security Ja,h\lllulol. TIlcm .1.0 may be one or 0I0fll chell&U or the 1.oln Sot'Vlccr uMel.lod
10' ..Ie ofthc Note, Iflhtll1l II I chao,e orlbe Loan Servlcol, Dorrowfll will be elven writlcn no!hifl ufthe
c~lnle In accordaoCll wltb para,rtpb 12 IUd .pplltable law. Tho Dotlce will ILlte lue name .ad addre... or
the new Lon Servlcer and the addre... to which p'ymeol. .hovld bOlUade. The nollce will .ho cootlln auy
olber lololtllllln. ""lull<<! by .ppllcabl. lAW,
16. llatardou. SUb....ICU, Borrower Ihlll 001 (:&u.e or permll Lbc prelence, ute, dltfKJlal,
.10l'I,C, or rele.uc of Any Hwrdou. Subsltnu. 00 or In thf'l Property. Ilonowcr tball DO' do, Qor allow
uyoDe elsc 10 do, uylbln, Iffeollol Lbe Proper1y tbal II 10 \110111100 of "DY l!nvlronmcnLlI Law, Tho
precedlD' two .enleooe.l Ihlll DO' Ipp'Y 10 the prenocCl, U$ll, or .tOAtll on lbe Propert)' of .mlll qUlu]lllJ~
of HlUrdous SubslAocet fhat are .caenlly lecoenbw 10 be Ippro,'rlltc to Dormll ..caldeutlal Ulct Ind 10
mllnleQIIQ~ of the Propeny.
Borrower .blll promptly live Lender wrlllcn nollee Draoy Inve.UIgalloo, cl.lm, demlnd, lawsuit or
other aelian by any ,l.lvcmmeor.1 Ot ,regulatory leeney or ponte 111r1y h:lvolvln. the Proper1y and .ny
HlILIrdoul SUb"laoce or EO\llronrnenl&llAW of which Borrower hu actual knowledge, J( Borrower learn.,
or is notified by IOY aovtrnmculllI or regulltory Ilulhorily, thai IOY rt/Dovlll or olber remedl.tlon 'of any
Huardou. Substance Ifrcellna Ihe Propcrty h neceuary, Borrower Inlllpromplly lake IU neceullY remedial
lellool In accordlnoe witb BDvlronmonLlI lAw,
AI Uled in thll f1lra.raph J6, "}laurdou. Sub.t.nce.J" Arn tbosa lublLlJlce$ denned IJ IDlde or
buardoul .ubsunce.J by En\'lronment&l lAw end the fol/owio, .ubslance.!: JlUollnc, l~d.blUed palot,
kerolene, other namm.ble (,Ir loltlc pclrolcum producll, loxic PCJlh:ldes lod herbicides, volatll" 'CJ1yenu,
m.l.erill. cODlalnlo, Ubcalo, or formAldehyde! Aud ndlolc;lvc mllerial,. AJ u.ed In thi. paralraph J6,
"Envlronmenlall..w. UlOID,. reder.IIAw, lad law. of the juritdlclioD wbere the Propeny Illocaled th.t relale
to health, ..iely or envuonmenl.tl prolecUoo.
17. under's kJghlJ If Borrow.r Falls Co Kup Proml.!eslUld Agreernenl&. 1f1lQ)' ofLbe evolllJ:
nr .ondlllon. d".rJbed In .ubp"'rnpb. (A), (8), (e), (0) or (E) nl Ibll pan.l1lpb 17 .b.U occur, then (I)
If the origlnll principal amounl or the Nole el(ceedt $50,000, Lender m.y require thai Borrower pay
Jmm\ldllttlly Ulc t1oliro amount rem_lnln, unp.ld under Ibe Nolo Arod IbI. Security In.1NIDflol; or (Ii) if the
ori,lolllmoulll of the Nole Is 550,000 Ot len, lender, Ifter ,I viOl Borrower IImol)' nollC(l of BOlToWcr's
ri,hl 10 eLlre IS I. then required by Ippllcable law IUd Borrower's (allure 10 CUre within the time period .et
forth In such onllce, mlY requlltllb.1 Sorrower pay Immedlalely Lbe colite Awouot ramalmo&: Unpaid undc\,
Ibe Note lad this Sf!Quory lotllUlrtAnl. Tbl. requirement will be cAlIw "IUlmufl.lc Plymcnl In Full,"
Jr Lender requirr.. Immr.dlal. Paymenl In Pull, Leodcr m.y brio, . lawsuil 10 take away .u or
Borrower', rcrnllnWl riahulo the Property IlQd 10 hIVe the PtOPCfty lold, AI lhil 1II1e Leadt't or lanther
periOD mlY aoqulre tbe Property. Tbla It known 1.1 "foredosure Ind Illlc," If lbe procudJ of thil saJe Ira
Ib.u(ficlcollo repay Lcuder Ibe amouats due 10 uader from BOllower undt:r the Note IUd under thll Scr.:urity
In,UNmanl, Leader may, to Ibe Ulenl nol limited or problblled by Ilw, obtain I court judlmeQt 'J:aJO~1
Bonowcr penonlll)' for the difference berween all ImOUnu due from Borrower uoder the Note Ind this
Security Instrumenl lad the IIle procudJ. la Any Ilwlull for roreclolu,e IDd ,"Ie, t.eoder'will hive the rlebl
to coUcel aU costs lod 'expenlea of the rOreelOllUe and nl. aUowed by Ilw;- Thl,- Jncludel AnomeY'1 rcea IOd
COsU of tille e.,.ldence permihe.<l by appUeiblc ll~ aod_{t,,~ct1 C?f COlin, and attoruey's fe.e.s for butkruplcy
proceedlr.,. (Iacludlal off ON to mc:cftfy.or-vacli'e Any aUloat.lIe .tay 01' InJuDlltJoD). A11,uob 'uml u mlY
come due wiU be .eoUfed"liY-Ui;nrou of 1hI. Securit)' InslrumelJl.
Leader may require ImmcdlAle Paymeol In Full under tbl. P'l1frlph 1"1, If:
(A)
It Is due: or
Borrowcr filii to make lny paymenl required by the Nole or Ibis ScclI.irhy In'lf\lmeol Wb"D .
(8) ElIcl:lpl in tbole c1rcutDltanCeJ io whicb rederAllaw Cltherwllc provides, all or 10)' par1 of lbe
Propert)', or Any ri,hl in tbe Propeny, illold or lnnlferred without under's prior Wrinen CODle.,1 (or, If
Borrower II not ill allltural petloa, If I beneficial InleraAt In Borrower Is lold 01' Itlns(cned)i or
(C) On Ippllc.lIoD or Leader, two or more InsurlDce complnle.s lIcealed 10 do buall1l:u la tbe
Stlte In wbich lbe Property It lOCAted refll.e (0 IlIue policies loaurine the bulldlne' lad ImprovomcDLI OD lbo
Propra1y; fir
(0) Borrowet f./lllo keep IOY 01her promise or lcreementln llill Securily Instrumenl wlthio the
lime ~et r01111, or ir no lime is .el rorth In thlt Seour/ly InllNme01, theD wllbln lbe limo .tl fonh In the oaUce.
lenl 10 Borrower by leader; or
,,, IIT/^or. MY! MOkTO....OII. OFX1lIUC I1I1J/H,
~ON1'tG. v .tOoCPU
'AO! ~ ,'1
MOO'I.....I'M
BOOK1362rAGE 599
(1:) Any reprt,ualllloa made or larormlllon ,lveD 10 umder by 8<:lrrower 10 conuc.ollon wilh
Bonnwer'l appUc.tUOD ftlllbla 101D II falle or lulllC'Jldln.lo Iny malerlal rCJpool,
U, As.11a:"ml'nt of ,Nenlsl Appolnlment of Rccclnq lA:ndtr 111 Poue:s.don, A. IduUlfJoal
1tJJufl1y hef~undcr, Donower bereby .ullUllo lender the rcoll oflhe r.ul~r1y, provided thai Borrower Ih.II,
prio, 10 IccelentloD undor r-f1I~pb J 1 or Ibandonmenl tlf tbe Prnl'ef1y, bave tho rlgblla collect Ind retain
luch l'cOU I.J tbey become ~uellDd plyable, Upon Iccelerallon ullder plr1grapb 17 or Iboodonmc:ot of I),a
Praverty, Lender. In peNon, bYilClal vr by Judicially Ippololtd receiver .blll be enlltled to Clnlcr urOD, take
poue..loo Df and mln"le the Property Ind 10 colle(ll Ibo nnll Dr the "rope")' 10cludl01 tbolo put dva, All
ratlll collected by Leader or the receiver .hall be IpJllled filltlo payment of the COlli of mlnalcwon1 or Ule
Pruperty nd collection of rClOIt, laoludln., hut 1I0111mlled 10, rC<<!lver'l rced, pn:wlulQl on receiver', bonw
lad reasonlble Illomey.' foul Ind thea 10 tbe IUms lecurr.d by thl. Security Inslmmcn.. Lender lOd !.bo
receiver ,b.1I be liable 10 acwuol only (or thOlO rcult 'Chillly received.
19. Ruleaue. Upoa paymenl or all luau lecured by thil Security IDslrumtl1l, Lender IhaJJ
dllcblllo lbll Security JD.trumeol without charle 10 Borrower. Dorrower shall pI,V all COlLI of recordallon,
If .ny,
20. No ClaJm of Credit (or Taxes, Bo"owcr will not mike deduction from or chum oredll 00
the priDclpal or Inlort.lil,ocurod by lhb Securlly JOllrumeUI by re.uOD of 10)' ilovcrnmeul.1 taxes, aueUmenll
or cbafaU. Borrowef wID nol cl.IM In)' deduction ((om Ibe Lui:.blo "-lUll of the Property by re.uOn (.if lhl.
Securhy lnllrument,
21. Interrst Rate AUer Judgmenl. Bonower I.rees Ihll the! inlerc.tl file pay.ble after I
jud,lmenlls cnlered OD Ibe Nole or in ao aclion of mortS:li:e (oreclolure shall be tbe file .liIled In the Nola.
21. JUder. to <<his Security In.5lrument, lr ODe or more riders .rlll ueculed by Borrower and
rt(.Orded lo,grllber witb tbll Security IOllrumcnl, tbo coven.nU and IlrDllmcnlJ pf eaoh such rider Ihlll be
locorponlcd huo and ,ban amend Ind lupplcment the coveniull Ind"'~mcnl' or thll Sc<:urily 'nllNmonl
u If !.he rider(l) were a pan of Utll Securit)' Imlrumenl,
(Cbt<k 'ppllcabl, box(...))
ft) Adjustable Ralc RJder
o Condominium Rider
0 1.4 F'mlly
RJdcr
0 8lw..kJy
Plyment
RJd"
o Orad.'iod P'ym~nl Rid"
o PI.nood t10il
De...clopmlllJl RJdQr
(CONTINUED ON rAGE 6)
.....--._-~-..-:
~~
,; ,~
'" IIT'.\DI. ""'TI! MI'JII.TOAoe, OeHllklC (JIIJ/\Io41
MOmlO,Y IIMPLI!I
'AOI! j.,.
"'~I^."M
.0 Olb.,(., (('"",,I'y/
o IUle hnprOYlImcnl
IUd"
o Seoood
110m. RJder
IN W/TN/JSS WIIERtlo/', Ikmow.r b.. ..aou'ed 'hi. Mort,.,.,
Who.."
-~-8;d_~,__
~,
- ,C:--...., '/o? .-L"--=:--~
--.;;.1'i!rn~ ~~~_
VAV.w A, I'LOol,IlS Dortow"
j"Jua. (/)/ +;tl.!.U'o.-
-
ANDREA No i'/'oWI:flB DOllOW"
-----.--.-----
hanower
---
lklffower
I boo.by '''flly "h" Ib, plaoh, .dd".. nl Ih, Lender (Mort,.,.., I" 5010 Rttte.' Rd., Suite
Heohllllloeburg, fA 17055
5fJt,
00 bob,'1 01 ill, lAnd.,. ny: Stenhen A. qabh.,:,!.t
117
Title' Mnrmger
'-~
COMMONWEALTH OF PENNSYl.VANIA,
Counl)' U:
t",~.Icv- ..I
00 ""., II,. 17th day of _ Janu.ry_ ,'9..2~_bernleme,
-_"-Noterv Publio - . . _ ""_ "'eUnde"IJl1<'LIO"'cel,pcno,,"y
'PP'''ed "'VTn A. 11.OWF.IW and ANDREA_H. Fl~-=- _ _ _
keo,l'II '" ID. (0. lI,bllClOrlly proveD) '0 be 'be pe"on(l) wbOle ...."(I)_Ul:ll-._ _
IUblOrlbed 10 th, wlthle 1000Nmenllnd ICknowfed,cd "'" ~v _ U""ult.! "'. ..... fOI th.
PUfPOII"" berelo CODLllned,
IN WITNESS WHEREOF, I hereunto .el my hllnd.n tJ
My COIIHullalon urlCllt:
oJ.u! I d
'~;-;'rOffl""
-."'" no\.o..,<, (l ~I'l .
~~.
(il~'~.~~~
. .v. .,~..
"" c; ,
\ ~,
~,..,jt'
~-NOTAR1A[Si!AL
IIrw ~'!!'!..H. STOllE, IliJwy Publio
'" p=-~'-'dI1orO.ClWllfifflandCo
1 ::"'''ll/IIfon ~~" Nor, 9, 1998'
-.,--.
AfTER RIlCORDINa RIlTllRN TO:
1<ll>J tOne, Inoo,'pora tad
5010 R ttar 08, U. to III
-MaohaniosburQ, PA 1~
---
~-----
-
M ur/l\Ol, '^TI MO"TOAOI. O!IfuJe I7IlJ1"',
"'fOmlo,r 11MI'Ll
MO'4t1t
MOO4I"'U'M
ALL' THOSE CERTAIN lots or paroels oC1aud silull. in the Borough of New Cumberland. County 01'
CUJllberland IIld Stale oC Pmnsylvanla, More particularly bounded IIld d~cribed lIS follows, 10 wit:
. .l'AAG'EL NO. I:
BEGINNINO It. point on Ibe walerly \Ine of Wayne Avenue one hundred sixly s-:d 1hirty.tluee one-
hWldtedtbl (1603~) fHI, more orle... North or sh, northwest oomet of WI )'DC Avenue and Creek Raid at
Ibe northerly llue orLot No. II, Block H on tbe hereina1\or mentiOlied Plan oCLots; Ibence WC$twardly II
ripllll.lft 10 Wlyne Avenue and alona ~aid lol No. II. one hundred e!chllnd two-tenths (IOS,2) feet,
more or I.... Itll point; mente nonhwarcUy paru1lll1 whh Wayn" Avc:nue My (SO) ("'110" I'QUlI; lbellce
eastwardly Ilona she soulberly line of Lot' No. 9, Block "If' ODe hundred e!shland two-teaths (108.2) feet,
mort arles..to I point on the we'lefly line of Wayne AVllDuej sheoee along said line ofWlyne Avenue
soumwardly My (SO) reel ID the Place ot BEGINNING. .
BBlI'IG LoI No. 10, Block "H" on the Pbn No. S efRosemIlnl Addition,lIld Plan bomg 1T.cordt.d in
CumberWid. COUllty in Plan Book 3, Pille 64,
PARCEL NO. ?:
Tll.ACTNO. I: BEOINNING III stake Illbe dlvidinlline between Lors Nos. 10 and II of the hereinUtcr
mentioned Plan of lots md the westAlrly line ofWlyne Avenue, shence South 27 dearte. 45 minutes Eur
Ollt hUlldml fl!ty-lIine and seventy-eight bundnodtlu (159.78) f.ello UIUCj thence South 62 desreos IS
minutAl. Weat one bundnd elabl and twenty hundredlhs (108,20) feel 10 a stake; lbeoce North 27 de/lfeC$
4S mlnules Wdl, OUll hundred fifty-nine 3IId aeventy-e!ipll hundredlhs (159,78) feel alona the line of land;
of Raymond C. Gnndon IIId omen 10. stake on mc dividing line between Lots No;. 10 and II au the
htl'clIlafter mentiolltd PIIII of Lotsi th.l:nce North 62 degrees I S But, one hundred eJght and tv/ent)'
bundrcdlhs (108.20) feel to a .take on lb. weslerly line 01 Wayne AVllDue, the point or plaoe of
BllQINNING.
BI!lNG Lots Nos. 11, 12 IIId 13, Block "H" on Rosemonl Pllll No. S. sllid Plan being Iccorded in the
Office of the Recorder olDeeds for Cwnberlood COWlty in Plan Book 3 Pa~e 64.
UNDER. AND SUBJECT 10 right of way or easemenl of Lower Allen Township Sewer A'llbority for a
twenty (20) fOOl sewer liDe uneler and alSlug a portion of lite southerly par1 orLol No. 13,
TRACT NO.2: BEGINNING at an iron pin II the comer of lands of others snd lUymond C. Gratldon IIId
rltc southerly side of Creel: Road: Ibenco North 62 degrees IS tninulOs East, one bWldred eight and twenty-
hundledtbJ (108.20) feet 10 a stake; theIlce South 27 de/lfees 45 minutes l::1$l, one hundred nine IIId
seventy-.even hundredths (109.77) feet 10 a stake; thence South 27 degrees 59 minules West, ODCl h\llldred
thirty and uinety.two bundredtbl (130.92) feel to a stake; shenee along lands of ow," and lUymond C.
GtwIon. North 27 degrees 45 mlDUleS Wesl. one bUlldred eie!lty.!hrfe IIId fifty bUlldr1:uths (183.50) feet
to Ibe Southerly line of Crecl: Roed, tho point Of place ofbeglnnlng. .
The above trlOIl ..e descn'bed in Iccordance with a survey by D.P. Raffenspo:rger. RegiAllltcd Swveyor.
dated Imuary 22, 1962.
PAR.CBL NO.3:
BEGINNING Ita POinl 00 lbe wCl\l:rly line of Wayne Avenue, Illbe mlenectiou of said Une with the
Southody liD. oCLol No. . of Ilollm.ond Addition 10 the Boroullh of New Comb.rland; th<:nCe in a
weslerly direc1iOD al1ll18 the last meDtioned line and al righl :angles 113 Wayne Avenue one hundred eipl
and two tenths (108.2) f"tla I point; thenoe in asoutherl direcdo fifty
easterly direction alon; the line of 1.01 No. 10 Block "H" ~n laid pt (~,?~:et I~ I point; lbetlCe in aD
(I ~8 .2) foelln Wayoo A vcuue; theDee in n nonherly dUe rl pJ -;,.one ed ..;ht and two.lOntlui
pomt, the place ofBIlOJNNINO. C 00 0118 ayne Avenue fifty (50) ree, 10 I
BEING LOI No.9. Block "II" 1.1 ShOWD on Plan No 5 Rosemant Additi
~~berlillld. said ,PIlII beirlll recorded in the CUIlIb~rl~d County Recor;~~ ~~~~~:; 3 Pale
o ".._
. .
HAVING th.reon erecled a one SIQry brick <!wellin h
Cumberland. P..... & ouse.known as No. 10 Wlyne Avenue, New
PlOWER"\ Df/-U J D "
~JI;; 01 C{0093/.:)D
Al)JUSTAIlI.,E RATE NOTE "1/
(L1DOH 6 MOluh Ind" (1I.l'uhll.h.d III 1/It 11'01/ S/"" JOUI/IIl', . R.,. C'p"
'I1IlS Non:CONTIIINS 1'llOI'ISIONS IILWIIlNC,!'OR CIIIINf:ES IN MY INTEIlEST IIATE IIND M\'
MON1'llLY I'A\'MENT, TlIl~ Num L1~III'S 'I1lE AMOUNT MY INmREST ItATE CIIN CIIANGE
AT AN\' ONI! 'I1ME /\ND Hm MAXIMUM flAm f MUST I'll Y.
I'J.:NNSYLI'/\NIA
~6,)00.oo
_.-""nllary 1'/, 1997
D.t.
~~~o.!.!.~G.':mbo!land, PA 1'/070
(I'rop.rt)' Add"..)
UORllOII'ER'S 1'll0~jl~E TO I'A Y
In ,.Ium ror alo.n thai' h"" r.ceil'ed, I prom I.. '0 P'Y U,S. $96,300.~__.____ (thl, .moun! II
"prlncipan, plllllnlcrClsl, 10 the oreler of lbe under, The Lender b EQuit\' OU{'JL Inc.QD)orntf'l~_
'-'-. ----, I understand lhat the Lender may lrar.srer this NOle. The Lender or anyone
lkes this Note by lrander and who Is cfltltJed 10 receive pJyments under thl~ NOle Is called the KNOlt Holder. ~
L'iTEREST
!nlercu \\'i11 be Charged on the unpaid prlnclpallllllil Lhe (ull amount of principal hll$ been paid. I will pay interest at
.1 yearly lit. or B22_lI, which, ""'1" for odd d.y.' IlIt"..I, 11.IlY, will h. appll.d 10 . 360 d.y Y'" cOlllllllog
nonlh. wilh 30 days each, Inleresl will be charged umillhe principal has been paid In full. The hue rest ralc I wlll pay
anac In accordance Wilh Seelian 4,
-he imcrasl rale required by this Section 2 and Section 4 Is the file I will pay both beforc and a(l,:r any default described
011 8(0),
'II YMENTS
") Time and Place of Payments
will pay principal anu Imerr.st by rna~lng pa)'menlS eve!')' month,
ake my monthJy payments on the Brst day of each month beginning on J1a.r-'-U.L.L.,----.__~._,
I \\'ill mike these pJ}'mCnlS evary month uluil I have paid all of lhe principal alld hueresl and allY other Charges
d below lhat I moll' Owe under (his NOIll, Unless applicable law provides otherwise, each of my regular rnomhly
s will be applied fiUllO acclued Ind unpaid Inlcnm as H tJlC payment if. mAde on Its clue dalc, r~gardless of whclllhe
Is actually lecelved and the remainder, if any, to lhe unpaid principal balance, Any late charges, collecllon casU and
, dishonored check charges and paymentJ made b}' Lhe NOle Holder to enfoice this Notc andlor 10 prolecl lhe NOlc
inlClosts under Lhe Securhy Instrument (as dc:nm:d In SectIon II) will be assessed sepAralely, If, on
,ar)' 1 ,2027 ________, I sllll owe amounu under Olis NOle, r will ?ay lhose amOunts in full
aie, which is called the "maluriry dale..
'111 m.k. my mOllthly 1")'01'"11" 5~3 Followshlp Road, Sult~.~__ "
t Lau..ol, NJ 08054 _ ,. or .1 . dlrleren' plac. ir required by ~IC Note Holder.
IImount of My Inill.1 Monlhfy 1")'01'"11
b of my Initl.1 momhly p.)'nleoll will be in ill. '01011111 of U.S. 827.32-______, This
.y cb.ng..
".'..
Moml~y Pa)'m.nt Ch.llg..
ng.. III my monthfy p.)'m.m .'111 r.n"l eb,"ges III the unp.ld princip.1 or my lo.n .nd In the Inte'''1 ,lie th.t I
Th. NOle Holder will d'lermln. my now Im."'t "Ie .lId tho ch.ng.d .mOlllll of my mon~~y p.ym'Dl In
l wilh Section 4.
EREST RATE AND MON'I1IL\' PAYMENT CliANGE.~
Note Is not plrable 10 lmlallmenls of equal amclImts, l...tJlfer UUl.l1lmcnl1 mar be due as pro\ided hen:ln, The
"II.fr." on Ih. d.1O or thl, Not. ('lnitl'l R.le') Is 9.750 ___..II per Y'". which, ''''pl ror odd d.y,'
.ny. will b. .ppll.d 10. 360 d.y y." COII.lllln, 01 12 mOllth, with 30 d.),. each,
:Illcresl rile I will pay may change on lhe firnt day of February, 1999 ____
day every 6th mOnlh lht:reaher. Each date on whkh my Imeresl rale could change Is called a .Chl.nae Dale,"
Hllnfl with Ole fiuI Chance Dale, the Imereu ule will be based on an Index. Thc ~Inde.\" Is Ole IveraBe of
rreted lites for 6 month U.S. doll...d,nomlll.ted d'pOllllln ~te Londoll mill,,, ('L100R') II publl.hed In 111.
JtlItrnal "Mone}' J~:llc," table. the ~CurrenllndeJ: Is Ule 111051 reccnl Index value aVAilable IS of !.he dale fony,
rs before each Change Dale i' luch dale falls on ~ Frida)' or, if such dalc does not f.1I on I Frida)', lhen the
lc~: Is lhe m~)S1 recent Index vllue available as of the Priday irnlncdlalel}' prcceding lhe dale fon}'.nve (4S)'da}'s
.H 1.18011. hlCl,..'HIIN[lf.)( M1C NOH INO "'1'1
:C1Ut.'TI~I('1'o'rIIL \' 1lMru: . Gl:t.'EIliIC "/,\0'961
rAGE I Of)
t.."T1.IAJIr.\-'I
"~
' \
e each Chanle 0'11::. Uefote each Ch'll{ lie tho NOle Holder will calculale lJ,C .....\1 Hut rale, which, e~cept for
Idd da)'s' hllcreslllpon prepayment In rull, III be applied 10 I 360 day yur conslstlllg 01 II months wllh 30 da)'1 each,
. Idlng 6.750 porcent.age polml (the -Margln-) to the Currenl Index. When a new rale Is determined, the falc wilt
undcd 10 tll(~ ncaren 1/8". The NOle lIolder w/llthen determine the _,"(JunIor tht:: level monthly p')'mClll thai will be
. lenllo rep.y 0.. Olen un'lald p"oclp.lln lull by the mOlurlty d.t. 01 Ihll No", ...umlng th.. .11 d.llnquenl p'ymolll'
.de and lhal all future v.)'mcnllarc fAlde when duc.
II' u.O nut Ch'ngo Date, lb. Inlm., lit. will DOt b, Increased 10 more lban 'wo (2) p",ontJg. point. above Iho Inlll.1
md, al alllub'.qu.nl Chang. D.tOl, lbe In",eu "" will n.ver b. Incremd 0' d,e,.."d on any .Ingl. Chlllg. Oal'
'10 thin one (I) percenLlge polnl I,om lbe III' 01 Inlo".1 ehorged durlngth. preceding.1x (6) monlbl. Tholn,ere.1 ""
ever be grealer Olin. 15. '150 _ percent por year, nor will it oyer be leu than one (I) percenlage point bclow the
R.le du,'ngwo .ntl,o lorm 01 lbl,'o.n .nd '1 no limo during lb. Ial/n 01 thil loao witf lb. ule b. IlIc,eued .bove lb.
'"nIUed by I.w. The 1I0W Inler... ..I. will become e((ecllv. olllbo Cb.ngo Olio. The new moalhly payro.n' will b'gl.
IIUI monlbly p.ym'"' da" alier Iho Chango D.,o IIld will rem.ln In erle" un,lIlho mOIlOdy paym.n. ch.lIg" .g.ln.
01. Holder witf d.llver by m.lllo lIIe . nOllce 01 .ny ,bango In lb. 1111"'" .." alld 0,0 'mount 01 lb. n.w monlhly
nl '1 I..UIWenly.nve (25) day. belore lbe o((collv. d..o o( .ny p.ym'D1 chang.. The notice will Include lolooulllon
,d by I.w .lId possibly ceruln olber Inlormlllon .. w.11.
lacepl Inlbo cue 01 · Curroo,llId.. ,"d MAlgln ""lhan on, (I) po,celltJg. 1'01111 bclow lb. Initial Rato ",d lUbJ'Cl
')orcenlagc point IImllAllons on rile r.hange. described above, rille decrcases will be mandalory uJlon decreases in tho
"lCrmlned on Chang. Dalo., bUI ""laere.... b,..d upon Inere....,nlbe Ind.. will b. optlon.1 wllb lbe NOla lIoldo,.
er. lbe (ICIWallb. No'o Holder m.y aol b.ve made. permlsslblo Incre... 10 wholo 0' In pall will nOI be conlldercd
'01 lbo NOlO Holder'. ,Ighl .ub..qu.ntly 10 mako .ny other p.rmlnlblo IlIerea.. wllbllllh. IImlllllalo" illlbil Secllon
dJuumcnu in Lhe rale will be given cUCCI by chancing lhe dollar itmOU1I1S of remaining equal monthly InslallmenlS so
IOlal amount due undr.r Ihl~ NOle will. Jf all dellnquenl paymenlS are made and all fUlure paymenls are made when due,
by the original ma\urily dale o( tills NOle.' As staled in SectIon 2, however, inlercsl will aCCrue unrll paymenl in full
Iy m.de.
rIlE)( SUBS1ITUTION
Igree lhallf the Jnde.ll is DO longer made J\'ailablc, the NOle Holder will seJecI a new index which Is comparable 10
'nllnlled Index and lhe Note Holdc:r will notify me or lhe change In lhe Index,
IRROIl'ER'S RlG/n' TO I'REPII Y
,&\'e the right 10 make paymenlS o( principal al any lIme before lhey are due, but 111e Note Bolder may apply any
pa)'mcnu first 10 aoy amollnu then due and owing under Ulls NOle or under the Securify !nwumenl and lbcQ 10
nOl yel due, A pa)'ment of prJncipl1 only Is known IS a .prepayment.
ay mako a rull prepaymonl 0' p'"lal prep.ym.nll withoul paying any prepaym.nl p.naity. lb. NolO Holder will
my prcpa)'mehlS 10 reduc~ the amount o( principal thaI I owe under thls NOle, I( I make a parllal prepaymenl, there
changes In tho due dales or amounts o( my monthly payments unlil the nrsl payrnent due after the first Change Dale
my p.rtlal prepa)'menl unlo.. 'h. Note Holder .gro.. In w,itlng'o lbOlO chang... My 1'.111., prepaym.nl m.y
, 'mounl 01 my moolhly paymonu .r.er th. nUl Ch.ngo Oat. lollowlng my pllllal prepaym.nl, 1I0wever, any
due 10 my plnlaJ prepayment may be oUsel by an interest nle increase, Excepl as provided In Sectlon 1, the NOle
"11' JOy prepaid IInaneo ch"g. althe lime lbo loon II made .nd no part or II will bo relllnd.d If I pay In rulllhead
.
.NCHARGES
IW or regulatloD, which applies 10 this loan and which seu lIIuimum loan charges, is finally Inlerpreted so lhal the
'ther 1010 cha'go. eollecle~ 0' 10 b. colleclOd 10 eOM'c,lon wllb lbl"OIn ",ced lbe p.rmln.d limit., lb.n: (I) .ny
sllndlor olber lOin charges shall be reduced by the amOunt necessary to reduce lhe InlereSl andlor other loaD
lb. permllled IImll; .nd (II) any .um. .Iro.dy collected Irom me wblcb '"o.d.d pormltled IImlll will be refunded
' No'e Holder m.y cboose 10 make iIlII refund by roduelng lb. p,'nelp.1 low. under lbll Note or by m.k1ng . dire"
m.. II. rorund ,od.,.. prln"prd. ill. ,oductlon wllf bo 'lCI'od II . p.IlI., prepaym.nl,
RO\\'ER'S FAIWRE TO PA Y AS REQUIRED
.ale Charges ror Overdue Payments
NOlO Holdo, h.. ,nol recolvod lb. full .mount 01 ony monLlJ/y P'YIII'1lI by 'he .nd of fiI.cen (15) colendll day.
" it II du., I will pay. la" cb"I' 10 lbo NolO lIoldo" Th. .mount oT iIlo cbllgo wl/l bo IIvo percenl (5") 01
'd p.ym.nl 01 prlnelp.' ,"d Inlo..lI. I will p.y Ihl. III, ,h"g. promptly but only ODCO OD ..,h '''0 paymont Any
-1/1 bo In .ddhloo to Int"o" on lb. iIl.n OUlltanding prID,ip.'.
,'.uh
, nol pay lbo rull 'mouol 01 ..,h monthly p.ym.nl oa the dale it h du., I will b. in d'[lUh. III.m In der.ult
loal p,inclpa! amOUIll 01 this 1010 II over S50,OOO. lb. Noto Ilolder may require me 10 p,y hnm.dlately th. MI
Ipal balaMC! plus accrued and unpaid Interest and any other amounts Ilhcn owe under this loan, However, I( the
clpaJ amounl or Ill)' loan is S50,000 or leu, lnd lam In de(ault, the NOle Holder will ~cnd me a wnnen nOllee
.1111 do 001 pay th. ovordu, .mount plus pel1l1lt"d eous .nd "poose. by . "ruin d.1O th. NOlO 1I0ldor may
I pi)' Immediately the full unpaid prinCipal balance plus accrued and unpaid 100ere,S! and an)' other amounu I then
lis loan, That d"le muSl be II leut 30 d.)'I afler the dale on which Ole nOllce is mailed to me or, if Ills nOI
.1)'S afler the date on which II Is delivered to me,
"E 1.IIOR 6 MO"''TH I~IDEX ~lTO, NOlE INO ml
)Uto.'TIMONTIIL Y SIMPU. ' Of,N!IUC (")01961
rACE) OF J
"'iHIAI,I'M
(e, No W.ll'er lIy No'e Holder
El'en II, .1 · 11m, wh," I "n III d,IIUI, ." No" Holder dOel aOI "qulro m. '0 "'Y IInOl'dl."ly III (ulI II d""lb'd
", i110 No" Holder will 11111 h.v, Ih, ,I8hl'o do 10 II I IIn I" dof,ull .1 . 1.ler 'im,.
W) P'ymenl o( No" Holder'l COII.llld Elp..""
II I d.flUll. wh..her or 110' Ihe Note Holeler h.. Itqulrod 1110 10 p'y Imm.dllf"Y I" full II d"erlb,d .bov.. the No'e
ler will blv, Ih, ",hllO b, p.id bICk by me lor .11 o( II. eOIU .lId "",,,.,, i" 'nlorclna 'hi. NOle 10 i110 e,lenl aol
Ibil.d by 'ppIlClbl, I.w. nOle "p,,,se"ndud., 10' ""npl" rello"'bl, 'lIorn,y.' (ee. nol problblled by.ppllOlble
I wl/l.i1o p,y I ebara. of $10 plu.."y 'CI"I b."k ehllg" (0' ..eh dlsbollorod chock, d..fl or olher In.trum'"IIs.ued
,. I" p.)'menl on thl,'o.n.
GIVING OF NOnCES
VIII... .ppllClble I.w roqulr" a dllf"'''1 m,d,od, allY 1I01lce 11111 mUll b, glv'"lo lIIe ullder Ibl. NOle will be given
'IIverl"l iI 0' by malllug iI by n"l elm m.II,o me IIlh, PlOpellY IIddroll .bove or 01 a dlflerenl addre.. If I give the
Holder a nollee 01 lilY dlf(erenl addroll,
IIny nOllce thll mUll be glv'n 10 the NO!, Holder under Ibl. NOle wI/I be given by mailing iI by nUl cia.. m.lllo the
Holder ., i1,e .ddroll .lated In Se'llon J(II) or II . dlfferenl .dclrelllf I '01 gIven. 1I01lee o( 'hll dj((e""1 .ddroll.
flORROWEJI'S WIIIV&RS
I waive my "ahtr 10 require the No" Holder 10 do cerulli thing.. Tho,e thillg. lie: (A) 10 dem."d paymenl ol.mounu
nown II 'p,eseIlIOlelll"/; (D) '0 give IIOlIce ",,' arnoulIU due b.ve 1101 been paid (known II "lIollce 01 dhhonor"); (C)
,In.n ornel.1 ceniOCllioll 01 1I0np.ym.nl (knowa.. a 'pro'ell'). Anyolle else (I) wbo .gree. 10 keep i110 proml...m.de
NOle, 0' (II) wbo agr""o make p.ym'"lllo iIle NOIe Holder If I 1.11 '0 keep my promise, ullder thl. No'e, or (III)
gn. Ibl. No'elO lI.n.ler iI.lo ,omeoll. ,I.. (known.. "gulllnIOU, ,u.e,I", .nd elldo...,,"/. .110 w.lves Ihese "gbll,
1ll1S NOTE CO\'EIlED DV II SECUllrl1' INSTRUMENT
\ Seeo'lty InltNmeOl of 'veil dale ,ollUlnillg. dClCrlpllon 01 my real p'opelly prOleCl' i1,e No" Holeler (rom pOlllble
Nhleh mlgh' rClUI, II I do 1101 keep ill, prom Is" which I m.ke In i1,I. NOle. Thl. No" I. seeurod by IhOl Securily
1001. Tbll Securll)' InltN""nt descrlb" how .nd under \Vbal ,oodllion. I m.y be required 10 make Immedl..e paymelll
)(.11 .moullllth.1 I owe onder thi. NOle. If I do nOI keep the promise. whleb IIII.ke In this Note, I m.y lose my ,eal
y.
ESPONsmu.rrv OF PERSONS UNDER nus NOTE
. 01010 lh.. one parson .lgn'lhis NOle, aacb 01 u,ls lully .od p,rson.lly obligat.d 10 pay the lull amOunt owed plu,
g" IS dmlibed /0 SeCllon. 8(11) ,"d 8(0) .nd '0 keep.1I 010.. promi." m.de 10 Ihi. NOIe. IIny 8umn'or, SUlOl)',
'ser 01 th, NOle (IS described In 5"C1lon 10' Is .1.0 obligated 10 do these Ihlng.. The NOle I/older may earoree '"
lder this NOle .g,lo., ClCh 01 us Inellvldually or .g.los, all o( u, 'ogether. Thi. mean, thai .ny noe o( u. m.y b,
10 pay all or the amOunts owed under this NOIC.
'y person \Vbo l1k" over lilY "ghu or obligllion. under this NOle will h.ve all 01 my rights .nd mUll keep .11 of my
lIl.de In thi. NOlO, IIIIY person wbo Uk" over Ih. "ghu or obhgalioo, 0(. gUlranto" su'''y, or endone, of thl.
deseribed In Socllo. 10) i, allO obligaled 10 k..p .11 of Ihe p,omlse. m.de in iIlls NOle.
'PLlCABLE LII W
I. NOle i, made porsu.nt 10 the llllernall" MOIIg.ge Trall"Clion PariI)' IICI of 1982 and .ppllcable .egollllon..
!, 10 the "Ienl nOI preempled ~y .oeb ae, or regulll/on. 0' nthe, .ppllcable (.dml I.w, PeM'ylv.nI. I.w aovern.
. In the .venl of a 'onOiCl bei,ween any provllion 01 th/, No'e .nd .ny (.de..1 0' Peru"ylvanl. .lIrule. I.w 0'
' io elle" II o( ill, dlle of iIll. /'iIote, iIle 'lalUte. I.w or IOgullllon ,b.1I control '0 i110 "'enl of ,ucb connJ" .nd th.
I provlsloo 'ooulaed in this NOI!e .b.1I be wlilloul elrocl. 1111 other pro,lsloos of thl. NOle will rem.ln fully eflecllv.
,..ble. ,
fNESS THE HIIND(S) IIND SEII1.(S, OF THE UNDERSIGNED.
//~
. FLOWERS BOrto"'er
~ Un :}/1I.!'k:tK
I. FLOWERS D,'rrower
(Seal)
Borrower
(Seal)
(Seal,
_(Seal)
Borrower
-
_(Seal)
BO:l'ower
BOrrower
(Seal)
,tE LIIO" , MONTH INDEX /.ITo NOT6INO "'1
:OU~IT/MON'T"L" SIMPLE. OENEAJC ("lOtH)
'AOE 30F J
tm'IM,'M
TIHfJLi: lLAW
() t: 'I I C Ii ,~. () F
GREGORY JA VAI[WI[AN
<j'IS('({Jl/dSlr!'('( l'lkl'
.I'1I11,,;!(I.I
.I'Olllhl/llII'I/llI, HI /,I'JI.t(;
---
I'lKJI/(!: (21\) f).jJ.l)G'!(!
/-it\': (JI\) 1}.12.9695
February 12, 1998
l'bikuMI,buIODlce
JOJ II.ocl~'1 ,111M
Jlld f<'lCKJr .I'I///e
l'/)i/(II""{lI1/II, PA 19103
Sent: Via Regular and
Certified l~aJl
TO: David A. Flowers
Andrea M. Flowers
10 Wayne Avenue
New Cumberland, PA 17070
I'It!tlJen1plylo
:lolllhll"'{lIOIIOff/ce
IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY
MORTGAGE ASSISTANCE ACT OF 1983 PLEASE READ THIS NOTICE
YOU MAY BE ELIGIBLE FOR FINANCIAL
~SS~JJ:TA!.'lCE TOIv.ARP YOUR MORTGAGE.. PAYMENTS
REI ACcount (loan) No.
Property Address:
0180093130
10 Wayne Avenue
New Cumberland, PA 17070
TO: David A. & Andrea M. Flowers
FROM: LaSalle National Rank c/o Superior Bank, FSa
Your Mortgage is in s~rious default bec3use you
to pay promptly installments of principal and
required, for a period of at least sixty (60) days.
amOunt of the delinquency is $2,561.84.
have failed
interest, as
The total
You may be eligible for financial assistance that will
prevent foreclosure on your mortgage if Y.ou comply wi th the
provisions of the Homeowners' Emergency Assistance Act of 1983
(the "Act"). You may be eligible for emergency temporary
assistance if YOUt default has been caused by circumstances
beyond your control and if you meet the eligibility requirements
of the Act as determined by the Pennsylvania Housing Finance
Agency. Please re3d all of this notice. It contains an
explanation of your rights.
Under the act, you are entitled to a temporary stay of
foreclosure on your mortgage far thirty (30) days from the date
of this notice. During that time you have the right to arrange
a "face-tO-face" meeting with the representative of the lender, or
with a designated consumer credit counseling agency. The purpose
of that meeting is to attempt to work out a repayment plan, or to
TilE LAW
: f"'. I (' ,.:,~ /I I
"iHiE(;1 nil' I~ \',t U I H, t N
othcnd"o ,;et.tJe yuur elo.linLjuency. 'I'hat l1\ooting must occui' in \.Ii'"
n~!xL thi /ty (\01 dayn.
If you dttond a fiJce-t()~I'i1ce meot.lng with Uw lender, or
with d eonsumnr credit cOi.lrweling WjfJflCY ident.lfied in this
notice, no further proceedings in 11\0rtgage foreclosure may take
place for thirty (30) days after tho elate of that meeting.
The name,/ and tell',phono number of the representative
is: AMY O/CONNOR
Telephono Number: (l-fJOC) 451-1093 ext.. 6130)
The name (51 and iJddres,' (os) of the dosignat.ed consumer
credit. eounseU n9 agoney (Ies) 1:, (are): S(!(J attached
It is oniy necessary 1'.0 schedule one face-t.o""f.aco meet.ing.
You should advise t.h" lender. immedictt'dy of y(~ur intentions.
If you have tried and are unable to resolve this problem at
or after your face-to-face meeting, you have the right. to apply
for financJ fJl assisU,ncr, from the: Homeowners' Emergency Assistance
Fund. Tn order to do this, you must fill out/ sIgn and fUe a
completed Homeowners' Emergency Assistance Application with the
Pennsylvania Housing Finance Agency. The consumer credit
counseling agency will asslst you in filling out your application.
It must be filed or post.marked within thirt.y (30) days of your
face-to-face meeting.
You must. either mail you application to the Pennsylvania
Hous1.ng FilH:1hce Agency, or you must. file it at the office of one
of the designated consumer credit counseling agencies listed
above.
The Pennsylvania Housing Finance Agency 1.s located at 2101
North Front Street./ P.O. Box 8029, Harrisburg, PA 17105.
Telephone Number: (717) 780-3800 or 1-800-342-2397 (toll free
number) . ~
An application for assistance may be obtained from the
lender, from a consumer credit counseling agency, or directly
from the Pennsylvania Housing Finance Agency.
It is extremely important that you file your application
promptly. If you do not. do so or if you do not follow t.he other
time periods set forth 1.n th1.s lettcH, foreclosure may proceed
against yo'.!r home iml1\(ediately.
Available funds for E,mergency mortgage assistance are very
limited. That w1.l1 be disbursed by the Agency under the
eligibility criteria established by the Act.